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Is pgb.nl a Scam? Security Check Results - Per Saldo

pgb.nl Security Report Summary

pgb.nl received a security score of 69 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Per Saldo's website security posture. Per Saldo operates in the Non-profit industry in Netherlands.

Per Saldo is a well-established Dutch non-profit association dedicated to supporting individuals with a persoonsgebonden budget (pgb). Founded in 1995, it offers a range of services including personal advice, legal support, educational courses, and advocacy. The website reflects a mature organization with a clear mission to assist and represent pgb users and related stakeholders. The association maintains a strong market position in the Netherlands with a medium-sized membership base and a consistent brand presence. Technically, the website is built on WordPress with modern plugins such as WooCommerce and Gravity Forms, integrated with Google Tag Manager and Cookiebot for analytics and consent management. The site demonstrates good performance, mobile optimization, and accessibility, supported by SEO best practices via Yoast SEO. The technical infrastructure is solid, though hosting details are not explicitly identified. From a security perspective, the site enforces HTTPS and employs consent mechanisms for cookies, indicating compliance with GDPR. While explicit security headers are not fully detailed, no vulnerabilities or exposed sensitive data were detected. The absence of a public security or incident response policy suggests room for improvement in transparency and preparedness. Overall, the website is professional, trustworthy, and compliant with privacy regulations, serving its target audience effectively. The risk profile is low, with no signs of malicious activity or content safety concerns. Strategic recommendations include enhancing security header implementation, publishing a vulnerability disclosure policy, and maintaining up-to-date software to sustain security posture.

The security scan identified 27 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: WordPress, WooCommerce, Gravity Forms, Google Tag Manager, Google Analytics (MonsterInsights plugin), Cookiebot (consent management).

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is pgb.nl Safe? Security Analysis for Per Saldo

https://pgb.nl

Check if pgb.nl is a scam or legitimate. Free security scan and reviews.

Non-profitNetherlandsmedium
WordPressWooCommerceGravity FormsGoogle Tag ManagerGoogle Analytics (MonsterInsights plugin)+1 more
Analyzed 7/7/2025Completed 10:52:11 PM8mo ago
69
Security Score
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Domains scanned

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Domainpgb.nl
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Per Saldo is a well-established Dutch non-profit association dedicated to supporting individuals with a persoonsgebonden budget (pgb). Founded in 1995, it offers a range of services including personal advice, legal support, educational courses, and advocacy. The website reflects a mature organization with a clear mission to assist and represent pgb users and related stakeholders. The association maintains a strong market position in the Netherlands with a medium-sized membership base and a consistent brand presence. Technically, the website is built on WordPress with modern plugins such as WooCommerce and Gravity Forms, integrated with Google Tag Manager and Cookiebot for analytics and consent management. The site demonstrates good performance, mobile optimization, and accessibility, supported by SEO best practices via Yoast SEO. The technical infrastructure is solid, though hosting details are not explicitly identified. From a security perspective, the site enforces HTTPS and employs consent mechanisms for cookies, indicating compliance with GDPR. While explicit security headers are not fully detailed, no vulnerabilities or exposed sensitive data were detected. The absence of a public security or incident response policy suggests room for improvement in transparency and preparedness. Overall, the website is professional, trustworthy, and compliant with privacy regulations, serving its target audience effectively. The risk profile is low, with no signs of malicious activity or content safety concerns. Strategic recommendations include enhancing security header implementation, publishing a vulnerability disclosure policy, and maintaining up-to-date software to sustain security posture.

Detected Technologies

WordPressWooCommerceGravity FormsGoogle Tag ManagerGoogle Analytics (MonsterInsights plugin)Cookiebot (consent management)

7 urgent findings need attention

1 critical · 6 high

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

3 findings

80/100

GDPR Compliance

3 findings

48/100

NIS2 Compliance

8 findings

17/100

Email Security

5 findings

75/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Per Saldo operates as a non-profit membership association focused on the Dutch healthcare sector, specifically supporting users of the persoonsgebonden budget. Its business model revolves around providing education, legal assistance, advocacy, and information dissemination. The organization leverages digital channels effectively, including a content-rich website and active social media profiles, to engage its audience. The 30-year history and consistent branding reinforce its credibility. Revenue streams likely include membership fees and possibly grants or donations. The association's partnerships and external links suggest a focused ecosystem without broad commercial affiliations. Growth indicators include ongoing content updates, educational offerings, and active lobbying efforts. The website's integration with e-commerce components (WooCommerce) hints at possible sales of publications or services. The strategic focus on digital accessibility and GDPR compliance aligns with sector expectations and regulatory requirements.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with HTTPS enforced and cookie consent mechanisms in place, reflecting GDPR compliance. No critical vulnerabilities or exposed sensitive data were found in the HTML content. The use of reputable third-party services like Cookiebot and MonsterInsights indicates a controlled approach to user data and tracking. However, explicit security headers such as X-Frame-Options and X-Content-Type-Options were not confirmed, representing an area for enhancement. The absence of a public security policy or incident response plan limits transparency and preparedness visibility. Overall, the security maturity is good but could benefit from formalized policies and enhanced header configurations to mitigate risks further.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and explicitly configure security headers including X-Frame-Options and X-Content-Type-Options to strengthen browser security.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Per Saldo

Description:

Wij zijn de vereniging van mensen met een pgb. Wij helpen je met het beheren van je pgb en komen op voor je belangen.

Key Services:
Personal adviceLegal supportEducational coursesAdvocacy and lobbyingInformation and resources about pgb
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
WordPressWooCommerceGravity FormsGoogle Tag ManagerGoogle Analytics (MonsterInsights plugin)Cookiebot (consent management)
Frameworks:
Yoast SEO
Platforms:
WordPress CMS
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of consent management for cookies
  • No exposed sensitive data in HTML
  • Secure forms with consent checkboxes

Analytics & Tracking

Services:
Google AnalyticsGoogle Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Marketing Tools:
MonsterInsightsCookiebot
Transparency Level:good

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is a well-established Dutch non-profit association focused on persoonsgebonden budget (pgb)

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

80/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=15552000"

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

48/100
Score

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

Complex SPF record

LOW

Too many include statements can cause lookup limits

DMARC Partial Enforcement

LOW

DMARC only applies to 5% of messages

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 include:spf.mandrillapp.com include:spf.protection.outlook.com include:spf.app.perfectview.nl include:spf1.pgb.nl include:spf2.pgb.nl include:spf.ymlp.com include:spf.flowmailer.net ip4:84.22.115.87 ip6:2a02:2770:15:0:21a:4aff:fe58:73b9 ~all
DNS Lookups:7/10
Policy:~all
DKIM Selectors Found
Selector:k1(1296-bit rsa)
Selector:k2(1416-bit rsa)
Selector:selector1(1296-bit rsa)
Selector:selector2(1416-bit rsa)
DMARC Details
Policy:quarantine(5% enforcement)
Subdomain Policy:none
Aggregate Reports:sfyhr50502@rua.powerdmarc.com
Forensic Reports:sfyhr50502@ruf.powerdmarc.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

75/100
Score

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 83 days

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:pgb.nl
Issuer:WE1
Valid Until:9/29/2025 (83 days)
SANs:pgb.nl, *.pgb.nl

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

70/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Domain Age
28 years(mature)
Protection Level
noneDNSSEC OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:104.21.16.106, 172.67.167.64
AAAA Records:2606:4700:3033::ac43:a740, 2606:4700:3037::6815:106a
Name Servers:
aragorn.ns.cloudflare.comDNS only
rafe.ns.cloudflare.comDNS only
MX Records:
0: pgb-nl.mail.protection.outlook.com
SOA:Serial: 2377025560, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:42ms

SPF Analysis

SPF Record:
v=spf1 include:spf.mandrillapp.com include:spf.protection.outlook.com include:spf.app.perfectview.nl include:spf1.pgb.nl include:spf2.pgb.nl include:spf.ymlp.com include:spf.flowmailer.net ip4:84.22.115.87 ip6:2a02:2770:15:0:21a:4aff:fe58:73b9 ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does pgb.nl compare?

See how pgb.nl stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern WordPress CMS platform, utilizing popular plugins such as WooCommerce for e-commerce functionality and Gravity Forms for data collection. SEO is managed via Yoast SEO, and user tracking is implemented through Google Analytics and Google Tag Manager, with Cookiebot managing consent. The site is mobile-optimized and accessible, with a moderate performance profile. The technical stack is current and well-integrated, though hosting details are not explicit. The use of asynchronous and deferred script loading indicates attention to performance. Opportunities exist to improve security headers and to document hosting and infrastructure details for better transparency.
Professional PDF & Marketing Data

Download the pgb.nl report as PDF

Get the complete analysis in a shareable PDF format, delivered instantly to your email with lifetime access.

PDF Report & Export

PDF download, email delivery, unlock code

39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainpgb.nl
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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